Discover PC

[Wizard10]

Does doing a Discover PC from a secured card affect my chances in any way with chases 5/24 rule? In repairing my credit which I think is going well I have 4 cards. 2 secured cards and I’m an AU on a discover that has recently graduated. That card will probably be PC to take advantage of 5% categories. I just don’t want it to hurt my chances at my first big boy card with chase.

Also if a PC is done does discover send a new card or can the current cards be used?

[3se7ens]

 A Discover PC is quite seamless. You'll keep the same card and number, and it will only take
a few minutes. Remember to ask the CSR for a CLI after the PC. Good luck.

[Wizard10]

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@3se7ens wrote:

 A Discover PC is quite seamless. You'll keep the same card and number, and it will only take
a few minutes. Remember to ask the CSR for a CLI after the PC. Good luck.

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Thanks it’s my ladies card and after it went unsecured Limit was increased to 2k up from 700

[CreditInspired]

Hi OP

I think your file may be to thin for a Chase card. What are your FICO scores? Do you have any unsecured bank cards that you’re not an AU on? Also, what your AAOA

[Wizard10]

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@CreditInspired wrote:

Hi OP

I think your file may be to thin for a Chase card. What are your FICO scores? Do you have any unsecured bank cards that you’re not an AU on? Also, what your AAOA

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Yea my file in thin I don’t plan on apply for a while. I have a credit one that’s mine that isn’t secured and I have my own discover which I hope will unsecure also. 

My AAoA is 2.5 years. 

4 cards 1 installment loan and removing derogs left and right 

edit: I also have a store card from fingerhut 1700 Limit. 0 balance 

[Anonymous]

I PC'd my secured Discover It to the 5% categories right after the 1st statement. 

Kept the same card and everything.

The day after statement #2 I activated the Q4 category.

About 2 more months and it should graduate hopefully.